Ask Shelly, the real estate expert Vol XVI: Shelly explains the two most sought-after mortgages for Americans in Israel. Ask Sarah, the Bituah Leumi expert Vol XXXIV: My wife and i want to spend most of our retirement in Israel. How do we correct non-payments of Bituah Leumi so we get medical coverage? Ask Rachelle, the childbirth expert Vol IX: A reader shares: "My Hospital vs Homebirth Experience," and Rachelle responds. Ask the aliya experts Vol XXXII: My grandparents were Jewish, as is my father, but my mother was Christian. Can I make aliya? Ask Shmuel, the shipping expert Vol XX: We want to ship a stove and couch from J'lem to my newly married nephew in Haifa, but prices are high for their student budget. Ask Miriam, the tax expert Vol XI: Are tax breaks for olim frozen when you're overseas? Ask the fitness experts By HARRIET AND RACHELLE How long does it take to tighten the muscles in the lower back so that certain exercises are no longer painful? Updated March 23, 2006 11:00 IST

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